Category Archives: Controversial

Questionable ideas and philosophies that may not float everyone’s boat. Please use your own discretion here.

What they don’t tell you about index investing

Stock picking vs index investing There’s a common belief that attempting to outperform the stock market is futile. A thread on the r/investing subreddit asked if anyone can beat the market. Here are some direct replies from the community: “I know I am statistically extremely unlikely to beat the market, and if I do beat it, it’s through… Read More »

How to Get Paid By Your Bank – Monthly Bank Fees Update

Nobody likes to pay banking fees. But most monthly service charges can be waived if we sign up for additional accounts/services, or keep the minimum monthly balance in the account. (eg: maintain at least $1,500 in a Bank of Montreal chequing account to waive the $4 fee.) My personal account is with TD Canada Trust, which charges $3.95/month unless a minimum balance… Read More »

Debt to Income Ratio Exposed – A Deceptive Fallacy

Flawed and Unreliable The debt to disposable income (DTI) ratio represents the ratio of one’s total debt amount to his after tax income. But the debt to income flaw is not often discussed. “Debt” is a balance sheet item (net worth,) but “income” deals with budgeting (income statement.) Debt is simply a static number, while income requires the element of time… Read More »